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CreditChances

Guides

Guides and rankings on credit history, cards, loans and bank accounts for immigrants in the US.

Rankings

Where does a credit history start?

  1. 1No SSN, no ITINA bank account with your passport and an ITINRead
  2. 2You have an ITINYour first card and credit history with an ITINRead
  3. 3SSN, no credit historyYour first credit scoreRead
  4. 4Bad creditHow to rebuild your scoreRead

Guides

How to get an ITIN number: step by stepHow to apply for an ITIN step by step: who can get one, Form W-7, a passport or two documents, where to apply for free and how long it takes. 7 min read
Payday loans: what they cost and how to compareWhat a payday loan really costs, how to compare offers by the fee per $100 and the APR, credit union loans at up to 28%, and what to do if you cannot repay. 4 min readITIN loans: who gives personal loans without an SSNLenders and credit unions that give personal loans with an ITIN: rates, amounts and where they lend. And what to do if you get a no. 4 min readCredit card without an SSN: ITIN credit cards and other optionsCredit cards you can apply for with an ITIN or with an Amex card from abroad, and what works with only a passport. Deposits, fees and APR. 4 min readNo SSN and no ITIN: where to start with credit in the USOnly a passport? Most US cards and loans ask for an SSN or ITIN. See what you can open today and how to get to your first credit product. 5 min readCredit with an ITIN: cards, credit builders and loansWhich credit cards, credit builders and lenders accept an ITIN instead of an SSN. Costs, rates and what to check before you apply. 4 min readNo credit history: how to build credit from zeroNew to US credit with an SSN? Credit builders and first cards: what each costs and who can apply. 4 min readBad credit: how to rebuild it and which loans to avoidLate payments or a low score? Rebuild with credit builders and secured cards, and compare loans with APR up to 36%. 4 min read